Most Common Credit Score FAQs

How can I remove late payments from my credit report?

Do closed accounts from the past negatively impact my credit score? Should I focus on removing them?

Can a credit repair firm help remove a “disputed” item from my credit report if I’ve used their services before?

Can an item be removed from my credit report if I have already paid it, or does it only apply if there was a reporting error?

Is it advisable to settle unpaid charge-offs from the past?